The Aggregate Limit vs Reinstatement Debate: What I am about to discuss is something that surprises even those in the industry, so don’t be surprised if it’s difficult to grasp at first. Even some of the most respected brokers I come across in the market, sometimes with 30 years’ experience, still get this one wrong. What I am talking about is the difference between an Aggregate Limit and Reinstatements of the limit on a policy – or rather, the fact that there actually is a d